The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$25,324
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,112
−HK$800/mo
Today · 4.125%
HK$26,912
baseline
▲ 0.50% · 4.625%
HK$28,549
+HK$1,637/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,824/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,173
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,928
−HK$767/mo
Today · 4.125%
HK$29,695
baseline
▲ 0.50% · 4.625%
HK$31,260
+HK$1,565/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,390/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,389
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,334
−HK$960/mo
Today · 4.125%
HK$32,294
baseline
▲ 0.50% · 4.625%
HK$34,259
+HK$1,965/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,588/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,807
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,714
−HK$920/mo
Today · 4.125%
HK$35,634
baseline
▲ 0.50% · 4.625%
HK$37,512
+HK$1,878/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,268/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,453
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,556
−HK$1,121/mo
Today · 4.125%
HK$37,677
baseline
▲ 0.50% · 4.625%
HK$39,969
+HK$2,292/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,354/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,442
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,499
−HK$1,074/mo
Today · 4.125%
HK$41,573
baseline
▲ 0.50% · 4.625%
HK$43,764
+HK$2,191/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,146/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,583
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$47,001
−HK$1,440/mo
Today · 4.125%
HK$48,441
baseline
▲ 0.50% · 4.625%
HK$51,389
+HK$2,948/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,882/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,711
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,071
−HK$1,379/mo
Today · 4.125%
HK$53,450
baseline
▲ 0.50% · 4.625%
HK$56,268
+HK$2,818/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,900/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,465 · Scale 2, in force from 26 Feb 2026)